Well not sure if this will help but I was just approved last week with the following credit profile. Last TU score 663 (NFCU approval in late January) and EQ 643 (myfico score alert, 2/07/13),They pulled both TU and EQ. Util at 3%, AAOA 4yrs 4mos, 3 new accts reporting in the last 3 mos, 2 CO's over 5yrs old. Last late pay 1/12(30day) And I was Approved, with $1200CL. Not my highest limit, but I am happy to get in with Discover and I heard their cards grow. I dont know what your full credit profile looks like but with a 685 you definitely have a chance.
